you are underwater or eager to buy, highr rates could hurt the housing recovery helping the broader economy. one report this week had individual investors throwing in the ttwel on 17 # billion in bond fund investments. before you giv in, remember this, the high education ever mortgage rates acording to freddie mack back in early october of 81. 18.6%. hey, things could be worse. that's my two cents more. that's all for toight's willis report. hahave a grea >> who do you trust from the leader you a supposed to trus may be can't he trusted? president obama: when it comes to telephone calls nobody's listening to your telepho calls. that is not for this program is about. charles: tonight the proof the government i listening in and that's exactly what the nsa ogram is all about. welcome, everybody, i'm charles payne in for neil cavuto. the documents show the nsa is listening in on phone calls and collecting e-mails from ornary americans and worse yet it is holding onto these recordings for five years. reason magazine says it is tough